Katie, paypal has actually the lowest fees available online. If you have a registered business, then you should open a Bank of America small business account which gives you the "express invoice service". It is an area where you can create invoices and send to your clients, they can login and pay without the need to have a BoA account. It is basically a client's payment area which they can login at any time and pay the invoices assigned to them. You don't pay any fees besides the account monthly maintenance fee.